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Managing Finances in Marriage: The Happy Couple’s Guide to Success

By Dustin | Finances & Careers

Managing Finances in Marriage

Arguing about money is such a common problem in marriage that it’s almost a cliché. While couples certainly fight about other issues, managing finances in marriage properly is something that can stop a lot of arguments before they start.

The key to managing finances in marriage is communication. If you don’t talk about money when you’re both in a calm state of mind, you’re certainly not going to be able to discuss it when you’re having a problem that’s related to money.

Fortunately, we’re here to help. There are some things you can do now that will set you up for financial stability in the future.

Identify Financial Areas of Concern

Sometimes, couples make the mistake of overlooking certain aspects of financial planning. They might focus on household expenses but forget to talk about insurance.

Here are the crucial aspects of finance that should be part of your conversations as husband and wife.

  1. Budgeting
  2. Investment planning
  3. Tax planning
  4. Retirement planning
  5. Insurance planning
  6. Estate planning
  7. College planning (if you have kids)

The goal should be to take as comprehensive a look at your finances as possible. That way, you can plan everything and reduce the likelihood of being caught by surprise.

Long-Term Financial Goals

Once you’ve identified all the areas of your finances to discuss, you can start by opening up a conversation about your long-term financial goals. Where do you want to be in:

  • One year?
  • Three to five years?
  • Ten years or more?

Looking at the big picture first is necessary because it can help you set the right kind of goals – what we like to call SMART goals. That means that your goals must be:

  • Specific
  • Measurable
  • Actionable
  • Realistic
  • Time-bound

In other words, this isn’t the time for nebulous, poorly-defined goals.

Managing Finances in Marriage with a Budget That Works

With your goals in hand, the next step is creating a budget to help you control your spending and save money to meet your goals.

We recommend using the three bucket system for budgeting. The buckets work like this:

  1. Bucket #1 is the Static Bucket. It’s for your fixed expenses, the things that stay the same each month, including your rent or mortgage, utility bills, cell phone bills, and insurance premiums. It should account for no more than 50% of your income.
  2. Bucket #2 is the Control Bucket. This bucket is for your regular but variable expenses, including things like groceries, gas, eating out, and entertainment. It should account for no more than 30% of your income.
  3. Bucket #3 is the Dynamic Bucket. This bucket is for things that aren’t regular expenses, and may include extra debt payments, savings, or even a vacation or holiday fund. It should account for at least 20% of your income.

Be sure to check out our full guide to budgeting for married couples. Your budget will help you with the next step.

Automate Your Finances

One of the keys to good financial management for married couples is automation. We all get busy and distracted at times, but you don’t want your credit rating or finances to suffer as a result.

Automation works in two ways. For the things in your Static Bucket, the best way to automate is to set up an account for those budget items, transfer money into it when you get paid, and sign up for automatic bill payments whenever possible.

The items in the other two buckets can’t be automated in this way. However, you can set up separate accounts and transfer 30% and 20% of your paycheck respectively into each of the two accounts.

You may want to make the 20% transfer for your Dynamic Bucket into an interest-bearing savings account. From there, you can always transfer some to an IRA or to a checking account so you can make extra debt payments.

Pay Down Your Debt

If you’re carrying any credit card debt, use some of the money in your Dynamic Bucket to pay it down as soon as possible. You might not think it makes much of a difference, but let’s look at an example.

Imagine you have $3,500 of debt on a credit card with a 14% interest rate. If you make the minimum monthly payment of $75.83 per month, it will take you 19 years to be debt-free and you’ll have paid $3,583.18 in interest.

Add an additional $10 over the minimum payment each month, and your payment time is reduced to 4 years and 8 months. $20 over the minimum brings it down to four years, and $50 over the minimum would mean that you’d be able to pay off the debt in 2 years and 10 months.

How Much Interest are You Really Paying?

Not only is the timing more favorable, but you’ll end up paying significantly less in interest, too. You already know you’d be paying more than $3,500 in interest on the 19-year plan. Here’s how the extra payments help:

  • $10 a month extra reduces your interest total to $1,278.74
  • $20 a month extra reduces your interest total to $1,087.92
  • $50 a month extra reduces your interest total to $756.11

If you can budget $50 a month toward debt reduction, you can save almost $3,000 in interest. That money could go toward a down-payment on a new home or car, or it could pay for a family vacation.

Two Approaches to Paying Down Debt for Managing Finances in Marriage

You can choose between two methods if you have debt to pay down. The first is the snowball method, which pays off the lowest balance first before moving onto the next balance.

The second is the avalanche method, which pays off the balance with the highest interest rate first. You should choose the one that works best for you.

We recommend being as aggressive as you can afford to be while paying down debt. The benefits and savings are clear, and this is a critical first step to successfully managing finances in marriage.

Maximize Your Retirement Savings

Once your debt reduction plan is in place, you can turn your attention to saving for retirement. You can and should take advantage of:

  • Work-related retirement plans like 401(k), 403(b) and pension plans
  • Individual retirement savings accounts like IRAs and Roth IRAs
  • Social Security

Make sure to take advantage of employer matching funds, which many companies offer to employees who enroll in a 401(k) or 403(b) plan.

You should also Vanguard’s retirement calculator, which you can find here, or the Flexible Retirement Planner, which you can find here.

Finally, you may want to consider making some investments outside of your retirement plans. Some to consider, from most to least risky, include:

  • Art/Collectibles
  • Stocks
  • Real Estate
  • Corporate Bonds
  • Government Bonds
  • CDs and Money Market Accounts

You should diversify your investments to minimize your risk. It’s never a good idea to put all of your financial eggs in one basket.

Make Managing Finances a Shared Goal

Perhaps the most important financial goal you can have in your marriage is to talk about money regularly.

After all, your finances affect both of you, and your kids if you have them. Talking to your honey about money will minimize conflict and maximize your chances for success.

If you’d like to dig deeper on the topic of managing finances in marriage, be sure to check out our full step-by-step workshop with our favorite financial planner.

4 Marriage Money Mistakes & How to Avoid Them

By Dustin | Finances & Careers

Money problems are one of the top reasons that marriages end in divorce, yet unfortunately, most engaged and newly married couples fail to prepare themselves.

Although you’ve likely had a lot of serious talks about life including if you want to have children, where you want to live, what kind of career you want to have, chances are you skimmed through the money talk.

Though you both may be juggling your finances separately, now that you’re joining together as one, being on the same page is critical.

Below, are some of the common mistakes newlyweds make that end up costing them big later.

1. Not Sharing Financial Habits and Debts

Once you’re married, your money and finances are a joint effort.

As such, you must know how your partner deals with their finances, and more importantly, how much financial baggage they’re carrying with them. Waiting to disclose this information can lead to serious arguments about money in the future.

Knowing if your partner is a saver or a spender, whether they pay bills timely or whether they procrastinate, and having a general idea of how much debt they’re carrying around can help you both to make a plan that will secure your financial future.

2. Spending Too Much on Housing

The prospect of buying a new house can be exciting.

You’re ready to start your new lives together and want the perfect place to build from. Be that as it may, it is imperative to consider all expenses before purchasing a house.

Newlyweds fail to analyze the true cost of homeownership and essentially buy more of a home than they can afford. However, buying more home than you can afford is a surefire way to end up in debt or having your home foreclosed on.

Though getting a home is ideal for a married couple, it should be done with careful consideration. Review your options with a mortgage company to find the best loan rates and mortgage programs for first time home buyers. Then analyze your finances to ensure that you can afford the cost of owning a home.

If you’re unable to afford the big family home you’ve been eyeing, consider a condo or starter home and then relocate once you have the money to do so.

3. Not Having a Rainy-Day Fund

You never know what could come up that requires a large amount of cash to fix.

Newlyweds make the mistake of forgetting the plan for a rainy day. An issue with the house, the loss of a job, a need to pay for something for the kids, anything could occur, and unfortunately, they aren’t prepared.

This forces them to have to go deeper into debt by taking out a loan.

While you appreciate the sunshine, there will be rainy days that you need to prepare for. You never know when you’re going to need to repair or buy a new car, get the furnace replaced, or even worse, you may have to deal with you or your spouse losing a job.

Savings should be a staple in your financial plan. Putting aside at least 3-6 months’ worth of income can help to cover the costs of unexpected expenses.

4. Not Having a Budget

When you’re single, living on a budget may be less of a priority. You don’t have any other responsibilities outside of yourself and your own bills.

Many couples keep the same mentality that they’ll handle their own finances and make the mistake of not creating a budget. However, managing money separately can lead to miscommunication and misuse of household funds.

Creating a budget and sticking to it is not as hard as you think. You must be open and honest with one another about your debts, monthly bills, and your income. Then execute a financial plan that will cover all household bills.

Budgeting can help you to make informed decisions for the household and it most certainly keeps you out of debt.

Part of getting married is all about trial and error. It’s about finding your own way to make your union work. Be that as it may, when it comes to money matters, trial and error could be the very thing to tear your marriage apart.

Avoid these mistakes at all costs by openly talking to your spouse and creating a budget that will allow you to live out the life you’ve always dreamed of.

 

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How to Pay Off Student Debt as a Couple

By Dustin | Finances & Careers

So, you are married now, congratulations!

You’re about to experience a wonderful ride.

If you are like most people, you probably have some student loan debt that you are holding onto and now that you are married, it may have doubled.

Since you both share debt now, you may want to think about paying it off at the same time together to ensure both you and your partner are working towards a better financial future.

Below, we will explore some ways that you and your partner can team up and work together to pay off student loan debt as a couple.

Let’s take a look.

Consolidate Your Student Loan Debt

When you get married, you may automatically think that yours and your spouse’s debt instantly merge together. They do not.

When we mention that the amount may have doubled, we are saying that if you had $10,000 in debt and your partner had $10,000 in debt, you collectively have $20,000 in debt. If that is the case, you should look into consolidation if you want to put a ring on your debt.

But, there are limitations to this.

If you are your partner have student loans (federal or private), it is important to know that you CANNOT merge your loans together and consolidate them with a federal consolidation loan. Federal consolidation is offered to individuals only, so you cannot lump them together through the government.

Bummer, right?

There is a solution though. You and your spouse can consolidate your loans through a private lender which is more commonly known as student loan refinancing. There are many lenders out there who will consolidate your loans, so you and your partner can work on paying the debt down.

There are some advantages to consolidating yours and your spouse’s loans together. Some of those benefits include:

• Higher credit score is used to determine the loan
• No worry about annual recertification or tax filing statuses
• Lower your interest rate
• Decrease monthly payments and payment amount
• Adjust the length of the loan terms

Consolidating your student loans is a good idea if you have big plans in the future such as buying a home, a car, or even starting a family. Here is more on private student loan refinancing and its differences with federal consolidation.

Since federal consolidation is a bit different than refinancing your student loans through a private lender, so you must explore both options thoroughly to see which one will work for you.

Refinancing your student loans with your spouse may be a good idea and can help save the both of you thousands of dollars.

Refinancing works to reduce the interest rate that you pay on your student loans. When you head to a private lender, they will take all of your student loans and combine them into one loan.

From there, a repayment term, monthly amount, and interest rate will be generated.

Many people choose to refinance their student loans because you can get a rate that is substantially lower than that of which you pay now. For example, many borrowers, who qualify, receive an interest rate somewhere at 3% to 5%.

Things to Think about Before Making the Leap

Before you choose to consolidate or refinance your student loans with your spouse, you want to make sure it is the right idea.

You should think about whether or not you are ready to give up the benefits that come with the Federal Direct Loan program.

When you refinance or consolidate through a private lender, you will no longer have the option for deferment of the loan, forbearance, or convenient payment amounts. This is something that needs to be discussed upfront, so that you can make sure it is within your budget.

In addition, you and your spouse need to be on the same page as to whether or not you both want to combine the loans and make payments together. Some couples determine that this is not the best option for them and it may or may not be the choice for you.

Lastly, take some time to think about how much the payments will be, how they will be made, and what your goals are.

For example, if your total monthly payment combined is $350, who will make the payment? Do you switch month to month, do you split the amount in half every month, or does someone take on the whole amount and the other pick up another bill in a similar amount?

The choice is up to you, but you should have a plan in place to prevent default or late payments.

Final Thoughts about Paying Down Student Loan Debt as a Couple

You may be making a wise choice by paying down your student loan debt as a couple. You can save a lot of money in interest if you choose to consolidate or refinance.

With that said, you do need to make sure it is the right financial move for the BOTH of you before you sign any new paperwork.

7 Reasons Every Smart Couple Needs a Side Income (and How to Get One)

By Dustin | Finances & Careers

7 Reasons Every Smart Couple Needs a Side Income

How would your family benefit from an extra $250, $500 or even $1,000 every month?

In this post, I want to share why it’s so important that your family develop a side income and show you how to make it happen – complete with real-life examples of the many ways we’ve added to the bottom line in the Riechmann household.

BONUS: Be sure to click here to grab our FREE guide "How to Find a Profitable Side Income Idea in 15 Minutes"

7 Reasons You Need a Side Income

Let’s start by outlining a few of the many benefits of developing a “side hustle” and bringing in an income outside of your 9-to-5 paycheck.

1. More Money 🙂

Duh, right?  Let’s start with the obvious – just like a big raise at work, side income increases your bottom line.

If you’re doing the right thing and budgeting every dollar of your income, you probably know exactly where you’d plug in some extra cash.  Even if you’re not that organized, I bet you could find some awesome things to do with 500 bucks.

You could pay off debt, give more to charity, save for emergencies, go on nice vacations…all the wonderful things that more income allows your family to enjoy.

Good stuff for sure, but this is just the start!

2. Greater Freedom

If you put it in the right context, more money is ultimately about enjoying more freedom.  When you’re not stuck living paycheck-to-paycheck but instead start building more margin in your budget, it gives you options to do more of things you want to do as a family.

In practical terms, killing off debt payments and boosting your income to reclaim your monthly cash flow gives you the freedom to make choices about how to spend your money and your time.

It could also represent the opportunity to leave a job you don’t enjoy to do something you love.

3. Sense of Security

This is where a side income really starts to separate itself from a regular paycheck.  The raw truth is that dependence on a single income source is really dangerous – you’re only an economic downturn or angry boss away from losing it all.

When you develop alternative forms of income, you can not only build a bigger emergency fund and nest egg, but you can enjoy the security of knowing that one change won’t wipe out your inflow of cash.

And as your side pursuits mature, you’ll likely find that you can automate (or hire out) much of the work and create passive income that supports you without direct investments of time – that’s true financial freedom!

4. Opportunity for Something BIG

What starts off as a modest attempt to make an extra $200 could grow into something much, much larger.

Many of the world’s most successful companies started off as side ventures or small solo pursuits…have you ever watched Shark Tank?

The fact is that you never know where the market may take you – a simple idea can strike it big and grow into a massive success.  That’s exciting!

5. Help Others

One of the awesome benefits of doing good work is that you get to help others in the process.  The best way to make money is to provide genuine value by helping people.

While you may feel this in your day job, there’s a good chance that your side hustle will connect you more closely with the value cycle and let you experience the real joy of helping others.

6. Lifelong Learning

One of the surprising benefits I’ve found in developing side businesses is that it’s incredibly intellectually stimulating.  It’s much too easy to get bogged down in the day-to-day demands of a regular job and never stretch your thinking.

When you do work on the side, you’ll gain entirely new skills, feel excited to learn something new, and then get to implement it right away to grow your income.

7. Fund Your Dreams

When you think about your dream marriage, there’s a good chance that money will play a role in the lifestyle you desire.  I’m not necessarily talking about sipping drinks by the beach, but enjoying the freedom to live life on your terms.

In our case, it was our side income that was instrumental in allowing Bethany to stay home with our kids several years ago.  Only through side gigs were we able to pay off $54,500 in debt and position our family for the future we desired.

BONUS: Family Bonding

Are you thinking that developing a side income is going to steal too much quality time away from your family?  I totally get that, and it’s a legitimate concern.

It’s all about how you set your business up both in terms of how many hours it requires of you and how much of that time is solo.

When you see the list of former and current businesses we’ve done below – you’re going to think I’m insane and that I must have an extra 8 hours in the day…but the reality is that each side gig is set up strategically to minimize the time required (and we’ve dropped most dollars-for-hours tasks over the years).

One surprising benefit that we’ve found with our side pursuits is that we can actually enjoy some very high-quality time together.  As I note below, my son is my “partner” on one business, and Bethany is absolutely involved in Engaged Marriage.

You should view your side business as a real opportunity to connect around an interesting project that benefits the whole family!

How to Make It Happen (and What We Do)

If generating a side income was easy, you’d already be doing it, right?  Maybe.

It can certainly be intimidating but it’s probably not nearly as hard as you think.  Here are the three main suggestions I have for you as you consider how to generate side income:

  1. Start With What You Know
  2. Go Low-Cost & Low-Time
  3. Get Your Spouse & Family Involved

We’ve built different streams of side income throughout our 17 years of marriage.  When we started out, we traded more time directly for dollars, but we’ve learned along the way and also taken advantage of the power of the Internet.

Here are several examples of side income streams that we’ve enjoyed in our household along with a short description of each.

BONUS: Be sure to click here to grab our FREE guide "How to Find a Profitable Side Income Idea in 15 Minutes"

  • Golf Club reselling

This was one of the first side businesses I did, and it was quite profitable with more than $1,000 a month in income.  The model works for lots of different items, but I got into golf clubs when I was trying to find the right set for myself (this is often how I find business opportunities).

In a nutshell, I bought clubs locally (through Craigslist mostly), cleaned them up, and sold them nationally through Ebay.  It’s a classic case of buying low in a local market and selling higher to a broader audience who will pay true market value.

I only quit doing this because it was too time consuming for me to travel around the region buying the clubs, and we discovered more passive income streams.

  • Tutoring

Both Bethany and I have tutored kids in various subjects, and it’s a nice way to make extra money.  I still tutor a neighborhood high school student in math occasionally as a favor – I enjoy it and we use the money to pay our kids for household chores.

  • Teaching (online and offline)

There are SO many opportunities to teach what you know to others.  One the best ways to do this is to create a simple course on a platform like Udemy where you can reach the world.  You can create the course once and sell it many, many times.  I have one course on Udemy currently.

I’ve also taught engineering courses at a local University, which I found quite fulfilling.  This is more dollars-for-hours in scale, but you may find it’s a great fit for you to teach locally or for a college online.

  • Writing

If you enjoy writing, there are pretty much limitless opportunities to get paid to write.  One of the best places to find work is through blogs you enjoy – we employ four awesome writers here at Engaged Marriage.

I’ve written for other blogs for pay in the past, and I’ve also written articles for magazines.  They pay better, but of course this requires more work and specialized skills.

If you want to take it to another level and develop more passive income, you can absolutely self-publish a book!  The Kindle platform in particular makes it easy, and you can also have Amazon convert your ebook to paperback.  I’ve written three books personally, and they all generate a nice passive income through Amazon (and other platforms).

  • Engaged Marriage

This very site is a robust business with income from books, workshops, advertisements, affiliate relationships and coaching.  It is FAR from passive with nearly 400 posts written mostly by me and a continuous effort is required, but it’s a true labor of love getting to help others live a married life they love.

  • Coaching & Consulting

You can get paid really well for sharing your expertise and guidance with others.  I don’t even advertise these services, but I’m able to generate a very nice side income through coaching and consulting.

You can coach/consult on just about any topic that you have specialized knowledge in.

In my case, I help married couples achieve their dream marriage through strategic planning (set big goals and follow a step-by-step plan to achieve them), and I consult with folks on getting control of their schedule and being more productive.

I also do consulting to help others get started or ramp up their online businesses.  It’s so fun to apply what I’ve learned in six years of online business to help others generate real income to help their families.

Like I said, I’ve never even advertised these services (people contact me), so there’s clearly a real demand out there for help.  If you’d like to chat about working with me in either of my specialty areas, shoot me a message. 😉

  • Shin Splints Treatment Kit

This is my latest venture, and I love it because it’s really specific, pretty passive and I get to teach my 10-year-old son about business.  When I got into running about 18 months ago, I suffered BAD from shin splints.

Long story short, I found a quick treatment regime that really helped me and some of my friends (I actually just ran my first marathon two weeks ago).

In the process, I found an opportunity (you develop this mindset once you start a side business) – all the materials I needed to do the treatments were only available from random sources and at pretty high prices.

I simply created a short guide on how to do the treatments, then found wholesale sources for the materials needed (foam roller, ice packs, resistance band).

I shot a 5-minute shin splints instructional video to put on YouTube and put the Shin Splints Treatment Kit up on Amazon.  With NO marketing, we make several sales every week with profits per kit of $15-$22 depending on shipping costs.

My son Braden packs the boxes for me and helps me with shipping.  I pay him $1 from every sale, and he loves it.

This is an awesome way to teach about the entrepreneurship and have fun together while helping others!!

OK that’s quite a list – so we clearly LOVE side businesses!

Keep in mind that we’ve had small children in our home that last 12 years, and I still work a demanding full-time engineering job (that I love).

You can totally do this. You’ll notice that a lot of our endeavors have been centered online, which we love for the flexibility it provides, but I know many other couples who thrive with “real world” businesses helping those in their community.

It all starts with one simple idea and a smart action plan…and I know just the guy to lead you on that front!

Want The Exact Steps We Use to Make Extra Money On the Side?

I can only share so much in a blog post before it becomes ridiculously long, but if you’re interested in learning more about creating a side income for your own family – we’ve got you covered.

We created an amazing program with my friend and New York Times best-selling author Dan Miller called “How to Make an Extra $500 per Month on the Side to Bless Your Family” and you can get instant access to it right now.

In this program, you will learn…

  • The difference between a side business and a side job (this is critical if you want to leverage your time)
  • How to start a simple side business that will bless your family with extra freedom, fun & opportunity (plus money of course)
  • The best types of side businesses for busy married folks… including many real-life examples from Dan (married 45 years), Dustin (married 14 years) & those we’ve worked with personally
  • How to find the right side business for you… even if you have no ideas right now
  • How to get started earning a side income this week… there’s no reason to wait!

Even if you have no business experience at all.

How To Make Extra Money On The Side Without Spending All Your Spare Time Working

Click here to get instant access to the side income workshop at amazing value!

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Top 5 Ways Newlyweds Can Combine Their Resources

By Dustin | Finances & Careers

Now that the wedding bells have rung, the preacher has pronounced you man and wife, and the honeymoon is over, it’s time to settle down in the real world.

For most newlyweds, that means everything from buying new furniture to combining their lifestyles, from clearing out the clutter to combining their resources.

Combining finances can be a struggle because, as newlyweds, one of the biggest points of contention seem to be money issues and keeping their independence.

However, there are a few ways that you can combine your resources and still keep your independence.

Shop Together

Nine times out of ten, when it comes time to move in together, you are going to need new furniture, especially a bigger bed.

In most marriages, it’s out with the old and in with the new, if you can afford it.

One of the best ways to ensure that you don’t fight over the money you spend on a bigger bed is by going shopping together. Instead of heading out to shop for a bigger bed alone, make the time to go shopping together.

Stores like Bedding Mart carry a large variety of everything from mattresses to bed frames so that you can get what you need in one fell swoop. In this way, you know exactly what your budget is and what you both agree is affordable to spend, which will avoid arguments later on down the line.

Decide on Bank Account Options

Another big fight that newlyweds have is deciding on bank account options.

Is it better to keep your accounts separate or combine the two accounts into a joint bank account instead?

Many couples, women especially, feel that giving up their bank account is giving up their independence. They like to keep their own money so that they know if things get tough they have it to fall back on.

If you want an open and honest marriage, however, studies show that a joint bank account is the best way to go. There are no secrets, and the money is right there on the table for both of you to see.

The choice, of course, is up to the couple and every marriage is different.

Always be Honest and Open

One of the easiest ways to destroy a marriage is by keeping secrets.

Sit down together and be honest and open about your finances.

While it can be a little embarrassing to sit down and talk about debt that you incurred before you got married, trust is very important early on in a marriage, so it’s best to put it all on the table, so you both know what you are dealing with.

Create a Plan Together

Debt has been a marriage killer since the beginning of time.

Sitting down together and coming up with a plan to get out of your combined debt is your best option.

There is no his and hers once you are married. All debts become one, and you have got to have a plan and the motivation to get out of debt so that you can move on to a secure future together.

Start Planning for Retirement Now

You may be a young newlywed now, but in a blink of an eye, you will be reaching retirement age and need a nest egg.

If you don’t want to have to struggle in your golden years together, it’s best to start a retirement fund now.

Sit down together, once again, and decide how you want to plan for your retirement and how much of your budget each month is going to be devoted to the future. You will be glad that you did when the time comes.

These are just a few of the ways that you can ensure combining your resources goes well once you are married.

From shopping for a new bed together to saving for retirement in your golden age, marriages take work, and the best ones are built on trust, that starts with getting out of debt and working to secure your future together.

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